Side-by-side · Q2 2026 data
The Portage County Bank vs Valley Communities Credit Union
Metric by metric
| Measure | The Portage County Bank | Valley Communities Credit Union |
|---|---|---|
| TellerScore | 83 | 83 |
| Capital cushion | 77 | 80 (stronger) |
| Loan quality | 97 (stronger) | 91 |
| Earnings | 75 (stronger) | 56 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 84th | 83rd |
| Total assets | $210.1M | $306.9M |
| Deposits / shares | $173.5M | $264.2M |
| Capital ratio | 12.69% | 12.97% (stronger) |
| Problem loans | 0.10% (stronger) | 0.28% |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 1.36% (stronger) | 0.91% |
| Loans ÷ deposits | 71.5% | 59.2% (stronger) |
| Uninsured deposits | 31.1% | 6.0% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Portage County Bank leads on 3 and Valley Communities Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.